Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
FIU-Nederland — filing unusual transaction reports
FIU-Nederland UTR reporting: the Dutch 'unusual' standard under Wwft Article 16, the objective indicators, filing through goAML, timing and tipping-off.
TRACFIN: what it is and how to file a déclaration de soupçon
TRACFIN explained: France's FIU, the déclaration de soupçon, the déclarant and correspondant roles, the ERMES portal, timing and tipping-off rules.
Sanctions screening at instant-payment speed
Sanctions screening for instant payments under the EU Instant Payments Regulation: daily customer-level screening, architecture and false positives.
AnaCredit for payment firms: scope and the 95 attributes
AnaCredit for payment firms: the reporting-agent scope test under Regulation (EU) 2016/867, the €25,000 per-debtor threshold and the 95 attributes.
DAC8 explained — crypto reporting and the CRS extension
DAC8 explained: Directive (EU) 2023/2226 — crypto-asset reporting for CASPs and the CRS extension to e-money, with the 2026 start and 2027…
MiCA white paper drafting: ARTs and EMTs in practice
Drafting a MiCA white paper for an asset-referenced or e-money token: the Annex II skeleton, the sections that fail most first drafts,…
CESOP XML — mapping a SEPA payment, field by field
CESOP XML reporting: how a SEPA credit transfer becomes one CESOP record field by field, refund linkage, member-state logic and the validation…
DORA Register of Information: filling Annex III in practice
The DORA Register of Information: the fifteen-table structure, the critical-function test, sub-contracting depth and common validation failures.
Verification of Payee under the Instant Payments Regulation
Verification of Payee under the Instant Payments Regulation: the IBAN-name check, match outcomes, the liability shift and an implementation checklist.
Where to base your EMI: a comparison of six EU jurisdictions
How an EMI authorisation runs in Spain, the Netherlands, France, Italy, Germany and Luxembourg: supervisor, language, capital and statutory review.